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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,384 | $100,938-91.7% | $90,461-90.7% | $158,982-94.7% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.7%-22.7pp | 82.0%-32.0pp |
| Annual return | 20.53% | 1727.20%-1706.7pp | 1294.76%-1274.2pp | 302.99%-282.5pp |
| Employer contribution / active EE | $884 | $3,691-76.1% | $3,264-72.9% | $4,763-81.4% |
| Participant deferral / active EE | $1,589 | $4,350-63.5% | $3,964-59.9% | $5,983-73.4% |
| Admin fee / account holder | $1,459 | $6,510-77.6% | $5,617-74.0% | $11,252-87.0% |